Monthly fee
$4.95
−$59 a year for an everyday customer: fees and interest, $2,000 kept.
U.S. Bank · Checking account
U.S. Bank Smartly Checking Safe Debit Account
−$59 a year for an everyday customer. $4.95 a month. $25 to open.
- A year, everyday customer
- −$59
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer document · usbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#523of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Interest bearing
- No overdraft fees
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $4.95 a monthusbank.com, checked Nov 8, 2026
- Minimum to open
- $25usbank.com, checked Nov 8, 2026
- Overdraft fee
- Noneusbank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $3usbank.com, checked Nov 8, 2026
- International ATM fee
- $3usbank.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 3%usbank.com, checked Nov 8, 2026
- Incoming domestic wire
- $20usbank.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30usbank.com, checked Nov 8, 2026
- Incoming international wire
- $25usbank.com, checked Nov 8, 2026
- Outgoing international wire
- $50usbank.com, checked Nov 8, 2026
- Inactivity fee
- $5usbank.com, checked Nov 8, 2026
- Cashier’s check
- $10usbank.com, checked Nov 8, 2026
- Stop payment
- $35usbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees